Citi Card labeled me a credit risk to the banking industry and cancelled my $41, 500 credit line after decades good payment history on a zero-balance because I refused to pay the a $50 annual fee for their card--a card I hadn't been using and decided not to use anymore. When I called "Customer Service" to discuss the matter, every rep I talked to cited "bad payment" history on a balance they created with their fee" as the reason they were jutified in their behavior. There was no acknowlegement about the insanity behind losing my $41K worth of business in order to collect $50.